Big news for UPI account holders. Right now, UPI, or Unified Payment Interface, has made digital transactions quite popular in the country. Many people make small to big payments only through PhonePe, Paytm, and Google Pay. Whether it is grocery shopping or online payment, people are paying through UPI everywhere. Due to this, people have almost reduced cash holdings. Now new features are added for the convenience of users on UPI payments.
Earlier, where a bank account was necessary for UPI payment, it is no longer so. That is, if you do not have a bank account, you can still create a UPI account. Here we are giving you information about how to create a UPI account without an account.
Payment without bank account
NPCI has recently launched the Delegated Payment System. With this help, users can create a UPI account without a bank account. Before this, it is necessary to have a bank account to use the UPI service. Along with this, it is also necessary to link the mobile and Aadhaar cards to the bank account to activate the UPI ID. After the new feature of NCPI, there will be no need for a bank account for UPI service. Now users can create a UPI account for others from their savings account. To enable this service, users have to do a small verification, after which users can pay.
The primary account holder will have full control
With the help of this feature of UPI, other members of the family will be able to manage the UPI account from one bank account. With this, the primary account holder will have full control. The primary account holder will have the option to enable and disable access to payments to the linked account.
How to Create UPI ID without a Bank Account
1: First of all, you have to click in the UPI circle in the UPI payment app and tap on ‘Add Family and Friend’.
2: Now you have to do the secondary UPI ID. For this, you can add his number directly from your contact list.
3: After this, you will get the option to set the limit of the secondary account and the approval of every payment.
4: The secondary user will get a notification to accept the request. After accepting, the secondary user will be able to transact with the UPI account.